The best replacement for pay off mortgage is invest.

The best alternatives to pay off mortgage are rated as following:
★★★★★  invest
★★★  save
★★  investing
★  save for college
★  savings
★  invest money
★  invest in stocks
★  save for retirement
★  keep cash
★  save money
★  buy another house
  retirement
  invest lump sum
  investment
  rrsp
  investment property
  529
  keep savings
  college savings
  invest in property
  retirement savings

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